What Happens If You Damage a Dealership Loaner Car?

Photo of author

By Sophia Anthony

If you damage a dealership loaner car, the dealership may ask you to pay for the repairs. If the damage is severe, they may even ask you to pay for a new car. However, if you have full coverage insurance, your insurance company should cover the damages.

If you don’t have full coverage, you may be responsible for paying for the repairs out of pocket.

What Happens If You Damage a Dealership Loaner Car If you’re lucky enough to get a loaner car from a dealership while your own car is being serviced, there are some things you need to know. First and foremost, don’t damage the car!

But we all know accidents happen, so what do you do if you unfortunately ding up the fender of a dealership loaner? The first thing you should do is alert the dealer that there was an accident and show them the damage. They may have their own insurance policy that will cover the repairs.

If not, or if the damage is too extensive for their insurance to cover, then you’ll be responsible for paying for the repairs yourself. This can get expensive, so it’s always best to avoid accidents if at all possible. If you do have an accident in a dealership loaner car, be sure to stay calm and follow the above steps.

With any luck, everything will work out and you won’t be stuck with a hefty repair bill.

Loaner Car Agreement | BMW Northwest

Is a Loaner Car Considered a New Car?

If you’re in the market for a new car, you may be wondering if a loaner car is considered a new car. The answer is yes and no. A loaner car is a vehicle that’s provided to you by a dealership when your own car is being serviced or repaired.

Typically, loaner cars are newer models with low mileage. So, in some ways, it’s like driving a brand-new car. However, since it’s not technically yours, it doesn’t count as a new car purchase.

Is Loaner Car Included in Warranty?

No, a loaner car is not included in a warranty. However, some dealerships may offer a complimentary loaner car to customers whose vehicles are being serviced under warranty. This is typically done as a courtesy and is not guaranteed.

If you are interested in having a loaner car while your vehicle is being serviced, be sure to ask your dealership ahead of time.

What Does a Loaner Mean at a Car Dealership?

When you buy a car from a dealership, the loaner is the person who helps you with the paperwork and finalizes the sale. This person is usually a salesperson, but in some cases may be the finance manager or even the general manager. The loaner’s job is to make sure that all of the paperwork is in order and that you understand all of the terms of your loan.

They will also go over any questions that you have about your new car.

Do Dealerships Give Loaner Cars for Recalls?

Yes, dealerships typically give loaner cars for recalls. However, this may vary by dealer and recall situation. It is always best to call the dealership ahead of time to inquire about their specific policy regarding loaner cars for recalls.

What Happens If You Damage a Dealership Loaner Car

Credit: www.shopownermag.com

What Happens If You Scratch a Loaner Car

If you scratch a loaner car, you may be responsible for repaying the entire loan. This is because the lender will likely view the damage as a total loss, which means they will not be able to sell the car and recoup their investment. In some cases, your insurance may cover the cost of repairs, but it’s always best to check with your insurer beforehand to see if this is an option.

If you’re not covered, or if the repairs are too expensive, you may have to pay for them out of pocket.

What Happens If You Crash a Loaner Car

If you’re involved in a car accident while driving a loaner car, there are a few things that could happen. First, if the loaner car is totaled, you may be responsible for paying back the full value of the car to the dealership. Additionally, your insurance rates could increase if you’re found at fault for the accident.

Finally, you may have difficulty renting a car in the future if you have an accident on your record while driving a loaner car.

Loaner Car Policy

If your car is in the shop for repairs, you may be able to get a loaner car from the dealership. But what are the rules around loaner cars? And what should you do if something goes wrong with the loaner car?

Here’s what you need to know about loaner cars: Most dealerships have a limited number of loaners, so they are usually reserved for customers who have their car in for a major repair or service. If you do get a loaner car, it will likely be a basic model that is not fully loaded with features.

You will be responsible for returning the loaner car clean and with a full tank of gas. The dealership may require that you leave a credit card on file in case there are any damages to the loaner car while it’s in your possession. Be sure to check over the vehicle carefully before driving it off the lot – look for any scratches, dents, or other damage.

If there is damage, make sure to point it out to the dealership staff before taking possession of the vehicle.


If you damage a dealership loaner car, the dealership will likely charge you for the repairs. The amount they charge may be based on the cost of repairs, or it could be a flat fee. If the damage is significant, they may require you to pay for a replacement vehicle.

Leave a comment